Lastest S$ Deposit updates - Part 3

[waterpighead]

Hi guys, anyone encounter issue in submitting the ocbc88 CASA e-form? I tried a few times but was unable to tick on the last part on acknowledgement. The 3 boxes were disabled - cnot be checked no matter how i click

 

[EveMuffins]

Hi guys, anyone encounter issue in submitting the ocbc88 CASA e-form? I tried a few times but was unable to tick on the last part on acknowledgement. The 3 boxes were disabled - cnot be checked no matter how i click

did u scroll up to see if u have filled up the fields correctly? will have red wordings for wrong inputs. also under account selection, u need key in account number.

 

[Alwaysb]

An “Eligible Transaction” refers to the deposit of Fresh Funds (as defined below) of at least S$50,000 and up to a maximum of S$3,000,000 into an Eligible Account and agreement of the Eligible Customer for OCBC to withhold the funds deposited for a specific period determined by OCBC (“Earmark Period”). The amount of Fresh Funds deposit must also result in a corresponding increase of at least S$50,000 when compared against the total balances of all other OCBC current and/or savings accounts as of 30 days prior to the date of deposit.

Date doesn't need to on 31 Jan, any date within the validity dates will do (i recalled 88 days were against the date of enrollment of the deposit)

I used the Statement Savings Account for this purpose.

Thanks for the reply. Since I have funds in 360 account. It seems doesn’t make sense to participate in this promotion then. My EIR will dramatically lowered.

 

[waterpighead]

did u scroll up to see if u have filled up the fields correctly? will have red wordings for wrong inputs. also under account selection, u need key in account number.

Yes, all info filled up correctly, its just the 3 boxes (for acknowledgement) are deavtivated. Cannot submit at all

 

[waterpighead]

Strange. I tried to use my old iphone to access the e-form, and the acknowledgement boxes were active. Managed to submit the form.
Somehow, the e-form just doesnt work on my iphone 16…

 

[Cookie Muncher]

for the ocbc 88 days. If i deposit a few times/amounts, does it mean different amounts will be earmarked on different dates?

 

[Alwaysb]

Can anyone help. If I want to target to deposit only on 31 Jan.. does that mean I have to clear my funds in 360 by today?

I have not open the eligible account as well.

How you guys manage this 30 days before trick

 

[waterpighead]

No Frills account interest rates for Jan 2026. Will update more if available.

BANKS	INTEREST	AMOUNT
CIMB NEW TO PREFERRED	1.88% + IPAD OR $800	250 K TO 1 MIL
OCBC STATEMENT 88 DAYS PROMO	1.80%​	MIN 50K
UOB STASH	1.50%​	100K
MAYBANK ISAVVY (WITH FRESH FUNDS)	1.40%​	200K AND ABOVE
MAYBANK ISAVVY (WITH FRESH FUNDS)	1.20%​	10K TO 199K
BOC SUPERSAVER	1.32%​	100K
SIF GO SAVER	1.30%​	FIRST 100K
SCB ESAVER (WITH FRESH FUNDS)	1.25%​	FIRST 2 MIL
NON BANKS
CHOCOLATE FINANCE TOPUP PROGRAMME	2.00%​	20K
SINGLIFE	1.50%​	10K
SYFE CASH + GUARANTEED	1.15% to 1.50%	NO MIN. NO MAX
STASHAWAY SIMPLE GUARANTEED	1.20%​	NO MIN. NO MAX

At first, i was attracted to the cimb new to preferred promo, cuz 1.88% + ipad/$800 is indeed a good deal in today’s context.

but further checks revealed tt the 1.88% is only given for first 3mths and one needs to hold onto the $250k for almost 10months before the ipad/$800 rewards will be given. Which means, from month 4 to 10, the $250k will only be earning an average prevailing interest rate of less than 0.7%. not really worth the placement in my opinion….

 

[JetStorm]

At first, i was attracted to the cimb new to preferred promo, cuz 1.88% + ipad/$800 is indeed a good deal in today’s context.

but further checks revealed tt the 1.88% is only given for first 3mths and one needs to hold onto the $250k for almost 10months before the ipad/$800 rewards will be given. Which means, from month 4 to 10, the $250k will only be earning an average prevailing interest rate of less than 0.7%. not really worth the placement in my opinion….

Ok thanks for the csi. will update this t&c in my original post.

 

[vsvs24]

No Frills account interest rates for Jan 2026. Will update more if available.

BANKS	INTEREST	AMOUNT
CIMB NEW TO PREFERRED	1.88% + IPAD OR $800	250 K TO 1 MIL
OCBC STATEMENT 88 DAYS PROMO	1.80%​	MIN 50K
UOB STASH	1.50%​	100K
MAYBANK ISAVVY (WITH FRESH FUNDS)	1.40%​	200K AND ABOVE
MAYBANK ISAVVY (WITH FRESH FUNDS)	1.20%​	10K TO 199K
BOC SUPERSAVER	1.32%​	100K
SIF GO SAVER	1.30%​	FIRST 100K
SCB ESAVER (WITH FRESH FUNDS)	1.25%​	FIRST 2 MIL
NON BANKS
CHOCOLATE FINANCE TOPUP PROGRAMME	2.00%​	20K
SINGLIFE	1.50%​	10K
SYFE CASH + GUARANTEED	1.15% to 1.50%	NO MIN. NO MAX
STASHAWAY SIMPLE GUARANTEED	1.20%​	NO MIN. NO MAX

SSB better than these

 

[luvpraline]

Any thoughts on whether it's better to lock in RHB FD 1.45% for 6 months or take the OCBC 1.8% for 88 days?

 

[digipet]

for the ocbc promo, i am confused by the earmark date:

The Earmark Period will start from the date of depositing in Fresh Funds into the Eligible Account. Depending on your date of fresh funds deposited, the earmark will be performed on different dates.

Eligible Transaction Date	Earmark start date	Earmark duration	Earmark will be performed by
1 - 15 January 2026	Date of fresh funds deposited	88 days	2 February 2026

So if i earmark today (2nd Jan) then the 88days start from today right then how does the 2nd Feb 'earmark will be performed by' date actually play a role?
Isnt it' only consider earmarked after it has been performed on 2 Feb? else what's the implication of informing us of the date.

 

[JetStorm]

Can anyone help. If I want to target to deposit only on 31 Jan.. does that mean I have to clear my funds in 360 by today?

I have not open the eligible account as well.

How you guys manage this 30 days before trick

if u have 360 the interest is already higher than 88 days promo is u meet the savings plus salary component, more if u got card spending.

 

[JetStorm]

for the ocbc promo, i am confused by the earmark date:

The Earmark Period will start from the date of depositing in Fresh Funds into the Eligible Account. Depending on your date of fresh funds deposited, the earmark will be performed on different dates.

Eligible Transaction Date	Earmark start date	Earmark duration	Earmark will be performed by
1 - 15 January 2026	Date of fresh funds deposited	88 days	2 February 2026

So if i earmark today (2nd Jan) then the 88days start from today right then how does the 2nd Feb 'earmark will be performed by' date actually play a role?
Isnt it' only consider earmarked after it has been performed on 2 Feb? else what's the implication of informing us of the date.

my guess is if they cannot earmark the funds due to u withdrawing early, the promo cannot take place.

 

[sglandscape]

Any thoughts on whether it's better to lock in RHB FD 1.45% for 6 months or take the OCBC 1.8% for 88 days?

Half half if you have enough funds. Best is still the DBS Multiplier for first 100k, if you can spend 500 per month and have 150k, UOB One at 1.9%, then HSBC EGA depending on which date you join.

 

[JetStorm]

Any thoughts on whether it's better to lock in RHB FD 1.45% for 6 months or take the OCBC 1.8% for 88 days?

if u think rates will go down lower than 1.45% after 88 days, then go for the 6 months. have to depend on your liquidity needs also.

 

[JetStorm]

At first, i was attracted to the cimb new to preferred promo, cuz 1.88% + ipad/$800 is indeed a good deal in today’s context.

but further checks revealed tt the 1.88% is only given for first 3mths and one needs to hold onto the $250k for almost 10months before the ipad/$800 rewards will be given. Which means, from month 4 to 10, the $250k will only be earning an average prevailing interest rate of less than 0.7%. not really worth the placement in my opinion….

Eh I was reading the T&C. You only need to hold it for 7 months as per T&C, not 10 months. But yes month 4 to 7 you will get shitty rates.

https://www.cimbpreferred.com.sg/content/dam/cimb-preferred/singapore/document/tncs-/welcome2026.pdf

 

[Alwaysb]

if u have 360 the interest is already higher than 88 days promo is u meet the savings plus salary component, more if u got card spending.

I have spare funds after fulfilling the 360 of 100k and finding ways to park so thinking how to maximize the 88 days 1.8%

 

[oceanicmanta]

At first, i was attracted to the cimb new to preferred promo, cuz 1.88% + ipad/$800 is indeed a good deal in today’s context.

but further checks revealed tt the 1.88% is only given for first 3mths and one needs to hold onto the $250k for almost 10months before the ipad/$800 rewards will be given. Which means, from month 4 to 10, the $250k will only be earning an average prevailing interest rate of less than 0.7%. not really worth the placement in my opinion….

i signed up last Jan .. here's what i did :

include Referral Reward ( CIMB increased it to $500, even though when I joined, it was only $300 )

put in CIMB FD after first 3 mths of promo interest

get extra interest by doing the 1K SSI transfer ( extra 1% on first 75k )

cimb dont require to hold til reward is credited .. just maintain for the minimum hold period ( shld b 6 months )

i had a very good Acquisition Mgr to confirm the timeline n details for me

but crediting of award was like 2 months late !

 

[badkham07]

was reading the T& C

An “Eligible Transaction” refers to the deposit of Fresh Funds (as defined below) of at least S$50,000 and up to a maximum
of S$3,000,000 into an Eligible Account and agreement of the Eligible Customer for OCBC to withhold the funds deposited
for a specific period determined by OCBC (“Earmark Period”). The amount of Fresh Funds deposit must also result in a
corresponding increase of at least S$50,000 when compared against the total balances of all other OCBC current and/or
savings accounts as of 30 days prior to the date of deposit.


Based on this, if I have 100K in my OCBC 360 and i withdrew it on 1 Jan, and deposited 200K on 2 Jan, i read as i can take part in this promo with 200K since it's still more than 50K above my total balance (100K) as of 30 days prior to the date of deposit.

Wondering if this is the case. Guess I would need to call OCBC to confirm . I hope it's not expecting me to deposit 300K to take part in a 200K promo since my total balance was 100K as of 30 days prior.